financeops-mcp

v0.1.0

Published

4 days ago

Unified financial intelligence MCP server — Stripe + Xero

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Financial intelligence for AI coding agents. Connect Stripe and Xero, then ask your AI agent anything about your business finances — health checks, P&L, cash flow forecasts, reconciliation, and anomaly detection.

Quick Start · Tools · Pro Features · Security · Architecture

See it in action

 Agent     "What's our financial health right now?"

 FinanceOps  financial_health({ providers: ["stripe", "xero"] })

 Result:

 Financial Health Report
 ──────────────────────────────────────────────────
 MRR              $12,450.00     ▲ +8.3% vs last month
 ARR              $149,400.00
 Burn Rate        $4,200.00/mo
 Runway           29.6 months
 Churn Rate       2.1%
 Active Customers 187

 Stripe balance:  $8,320.50 (available)
 Xero balance:    $41,200.00 (bank)

 Status: HEALTHY  ✓
 Generated in 340ms

 Agent     "Generate a P&L for this quarter"

 FinanceOps  generate_pnl({
               providers: ["stripe", "xero"],
               period: "quarter",
               date_from: "2026-01-01",
               date_to: "2026-03-31"
             })

 Result:

 Profit & Loss — Q1 2026
 ──────────────────────────────────────────────────
 Revenue
   Stripe Payments     $34,210.00
   Xero Invoices       $18,940.00
   Total Revenue       $53,150.00

 Expenses
   SaaS & Subscriptions  $1,840.00
   Payroll               $9,000.00
   Other                 $2,100.00
   Total Expenses       $12,940.00

 Net Profit             $40,210.00   (75.7% margin)

Architecture

graph LR
    A["AI Agent<br/>(Claude, Cursor, Windsurf)"] -->|MCP Protocol| B["FinanceOps MCP"]
    B --> C["Stripe API<br/>(Payments & Billing)"]
    B --> D["Xero API<br/>(Accounting & Invoices)"]
    B --> E["Analysis Engine<br/>(P&L · Cash Flow · Anomaly)"]
    B --> F["Audit Trail<br/>(SQLite)"]

    style A fill:#1f2937,stroke:#10b981,color:#f0f6fc
    style B fill:#0d1117,stroke:#10b981,stroke-width:2px,color:#10b981
    style C fill:#0a1f16,stroke:#635bff,color:#f0f6fc
    style D fill:#0a1f16,stroke:#13b5ea,color:#f0f6fc
    style E fill:#0a1f16,stroke:#10b981,color:#f0f6fc
    style F fill:#161b22,stroke:#30363d,color:#8b949e

Quick Start

npx financeops-mcp

Set your provider credentials as environment variables:

# Stripe
export STRIPE_SECRET_KEY=sk_live_...

# Xero (OAuth2)
export XERO_CLIENT_ID=...
export XERO_CLIENT_SECRET=...
export XERO_TENANT_ID=...

Add to your claude_desktop_config.json:

macOS / Linux: ~/.config/Claude/claude_desktop_config.json
Windows: %APPDATA%\Claude\claude_desktop_config.json

{
  "mcpServers": {
    "financeops": {
      "command": "npx",
      "args": ["financeops-mcp"],
      "env": {
        "STRIPE_SECRET_KEY": "sk_live_...",
        "XERO_CLIENT_ID": "...",
        "XERO_CLIENT_SECRET": "...",
        "XERO_TENANT_ID": "..."
      }
    }
  }
}

Add to .cursor/rules/mcp_servers.json in your project root:

{
  "mcpServers": {
    "financeops": {
      "command": "npx",
      "args": ["financeops-mcp"],
      "env": {
        "STRIPE_SECRET_KEY": "sk_live_..."
      }
    }
  }
}

Open settings (Cmd+Shift+P / Ctrl+Shift+P then search "MCP") and add:

{
  "mcpServers": {
    "financeops": {
      "command": "npx",
      "args": ["financeops-mcp"],
      "env": {
        "STRIPE_SECRET_KEY": "sk_live_..."
      }
    }
  }
}

Set the PRO_LICENSE environment variable to unlock premium analysis tools:

{
  "mcpServers": {
    "financeops": {
      "command": "npx",
      "args": ["financeops-mcp"],
      "env": {
        "STRIPE_SECRET_KEY": "sk_live_...",
        "PRO_LICENSE": "your-license-key"
      }
    }
  }
}

Or from the command line:

PRO_LICENSE=your-license-key npx financeops-mcp

Tools

Free Tools (6)

| Tool | Description | |:-----|:------------| | list_transactions | Fetch paginated transactions from Stripe or Xero with date range and status filters | | get_balances | Get current account balances — Stripe available/pending, Xero bank accounts | | list_invoices | Fetch invoices with status filtering (paid, pending, overdue) and date range | | revenue_summary | Calculate revenue metrics for a period — total, average transaction, top customers | | expense_tracker | Categorize and summarize expenses by type with period filtering | | financial_health | Quick health check across providers — MRR, ARR, burn rate, runway, churn rate |

Pro Features (6)

| Tool | Description | |:-----|:------------| | generate_pnl | Full Profit & Loss statement from Stripe + Xero data for any period (PRO) | | cash_flow_forecast | 3/6/12-month cash flow forecast — conservative, realistic, and optimistic scenarios (PRO) | | reconcile | Cross-reference Stripe payments with Xero records to find discrepancies (PRO) | | detect_anomalies | Statistical anomaly detection — flag unusual transactions, spikes, and drops (PRO) | | tax_summary | VAT/sales tax calculation and period summary by jurisdiction (PRO) | | multi_currency_report | Consolidated reporting across EUR, USD, GBP with live rate conversion (PRO) |

Feature Comparison

Analysis Algorithms

P&L Generation

Aggregates income transactions from Stripe (charges, refunds) and Xero (invoices, credit notes), subtracts categorized expenses, and produces a structured statement with gross profit, operating expenses, and net profit with margin percentages.

Cash Flow Forecasting

Uses a weighted moving average over the last 3 months of historical data (weights: 1, 2, 3 oldest to newest). Applies a linear trend multiplier derived from first-vs-last net cash flow change. Outputs three scenarios:

| Scenario | Income Adjustment | Use Case | |:---------|:------------------|:---------| | Conservative | −20% | Worst-case planning, fundraising | | Realistic | Baseline trend | Default projection | | Optimistic | +20% | Best-case, growth planning |

Minimum 3 months of historical data required.

Reconciliation

Cross-references Stripe payment_intent IDs against Xero invoice references using fuzzy amount matching (±1% tolerance for currency conversion). Flags unmatched, duplicate, and reversed transactions.

Anomaly Detection

Statistical Z-score analysis over rolling 30-day windows. Configurable sensitivity:

Low — flags transactions >3σ from mean
Medium — flags >2σ (default)
High — flags >1.5σ

Supported Providers

Credentials

# Stripe — secret key from dashboard.stripe.com/apikeys
STRIPE_SECRET_KEY=sk_live_...

# Xero — OAuth2 app from developer.xero.com
XERO_CLIENT_ID=...
XERO_CLIENT_SECRET=...
XERO_TENANT_ID=...           # Organisation ID from Xero connections

Security

FinanceOps MCP is read-only by design. It calls provider APIs with read scopes only — it cannot move money, create invoices, or modify accounting records.

| Principle | Details | |:----------|:--------| | Read-only by default | All tools only read data — no write operations, no fund transfers | | No stored credentials | API keys are passed via environment variables and never written to disk | | No telemetry | Zero analytics, zero phone-home. Your financial data stays local | | Audit trail | Every tool call is logged locally in SQLite with timestamp, tool name, provider, and success/failure | | Least privilege | Use restricted Stripe keys (read-only) and Xero connections with Reader scope |

Best Practices

# Use restricted Stripe keys — create at dashboard.stripe.com/apikeys
# Toggle off all write permissions, keep only: Read balance, Read charges, Read invoices

# Use environment variables — never hardcode API keys
STRIPE_SECRET_KEY=sk_restricted_... npx financeops-mcp

# Rotate credentials regularly
# Xero OAuth tokens expire — implement refresh token rotation in production

Pro License

Unlock P&L generation, cash flow forecasting, reconciliation, anomaly detection, tax summaries, and multi-currency reporting.

Get your license:

Gumroad — Instant delivery
MCPize — MCP marketplace

# Activate
export PRO_LICENSE=your-license-key
npx financeops-mcp

# Or inline
PRO_LICENSE=your-license-key npx financeops-mcp

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